Proactively Predict Risk and Identify Fraud During the Application Process

ForMotiv helps carriers predict and, more importantly, prevent risky and fraudulent applicant approvals by dynamically adding friction during the application process. 

“Combining ForMotiv’s behavioral data with our internal models led to a drastic improvement in a variety of risk models we were running. Honestly, I was shocked. I had no idea behavioral data could be this powerful.” -Chief Data Science Officer of Top 10 Life Carrier
Behavioral Features Captured Per Application
Micro-Expressions Captured Per Application
Average Risk Model Improvement
Applications Analyzed

Strike the Right Balance Between Risk and Customer Experience

As companies continue to accelerate their digital transformations and move their user experiences online, it’s easier than ever for risky and fraudulent applications to sneak past their defenses. 

At ForMotiv, we understand that a balance needs to be struck between a seamless user experience and a well-protected application. ForMotiv analyzes user behavior and accurately predicts whether it’s a risky or fraudulent application while the user is still in the application. We enable carriers to dynamically add or remove friction tailored to the individual user. 

Risk & Fraud Model Solution

Combine Curated Behavioral Features with internal data to create more accurate risk models

Our solution allows for real-time risk signals or scoring that can be consumed offline or real-time to dynamically intervene when an application is showing signs of risky behavior allowing you to further qualify an applicant before approving their policy

Non-Disclosure & Misrepresentation Solution

Identify incremental risk not found in 3rd party datasets like EHR, RX, and MVR

Real-time Risk Signals built on Proposed Insured and Agent Behavior based on millions of Life Insurance applications (for Tobacco, Alcohol, Sibling Death, Weight, and more)

Aligns with accelerated and fluidless underwriting strategies

Bot & Malicious Applicant Solution

Analyzing applicant’s digital body language allows ForMotiv to identify high-risk applicants and bots, in real-time, saving carriers wasted 3rd party data costs and preventing malicious applications

Easy to Integrate. Easy to Use. Totally Safe & Secure.

formotiv integration
Easy Integration

ForMotiv’s JS Snippet embeds inside of your Tag Manager, directly in your website, or through our API and instantly begins tracking form inputs.

Easy to Use

24/7 access to the ForMotiv portal gives your team real-time data analytics on each individual applicant. Drill down on specific applications, questions, and user actions.

Zero PII Collected

Your data is totally secure as ForMotiv collects zero Personal Identifiable Information (PII).

Own Your Data

Your data is just that, yours. ForMotiv provides you access to all of the raw data collected. No customer or outcome information is used with other customers.